Real Estate

Calculate Your Debt-to-Income Ratio (DTI)

Built by Kevin Glover · @gloverbuilds · Verified formula

Calculate your DTI ratio to see if you qualify for a mortgage. Lenders use this as a key approval factor.

📅 Updated April 2026 ✅ Formula verified 📖 4 min read 🆓 Free · No sign-up

In this article

What Is Debt-to-Income Ratio?
How DTI Affects Your Mortgage

A Regra dos 30%

DTI = dívidas mensais ÷ renda bruta × 100. Bancos brasileiros: máximo 30% para financiamento imobiliário. Renda familiar R$10.000: máximo R$3.000 em parcelas. Dívida de carro de R$800 reduz capacidade para R$2.200. Eliminar dívidas antes de financiar imóvel é a melhor estratégia.

Como Melhorar

Quite cartão e cheque especial primeiro (juros mais altos). Cada R$500/mês liberado = ~R$75.000 de capacidade de financiamento adicional.

⚡ CalcWolf Insight

DTI calculator gets 35K+ monthly searches and is one of the first calculators potential homebuyers use. Users in the pre-qualification stage explore multiple mortgage-related calculators, generating excellent session depth and cross-page navigation.

Frequently asked questions

Qual DTI máximo?▾

30% da renda bruta familiar para financiamento imobiliário no Brasil.

Como aumentar capacidade?▾

Quite dívidas. R$500/mês quitado = ~R$75.000 de financiamento adicional.

✓ Math logic verified against primary sources → See our verification process

Kevin Glover · @gloverbuilds

Founder, CalcWolf · GLVTS · Blickr

All formulas sourced from primary references — IRS publications, peer-reviewed research, and official standards. Results are tested against independent reference calculators before publishing. Rates and brackets updated when official sources change. Editorial policy →